If you have decided to buy auto insurance in Killeen, there are certain things that you need to consider. You must understand the ins and outs of auto insurance to get the best policy for the money you spend. Here are some tips that can help you get the best in terms of auto insurance.

• Factors that affect rate: Some of the factors that influence your insurance rates include your driving record, geographic territory, gender, age, marital status, previous insurance coverage, make/model of your vehicle and vehicle use.
• Check commonly available optional coverage: Besides basic liability package, the other coverage options available are collision, comprehensive coverage, medical payments coverage, towing and labor coverage, rental reimbursement coverage, etc.  It is to be noted that collision coverage which covers damages caused due to collision, is more expensive than comprehensive coverage, which pays for damages to your auto due to other causes such as fire, vandalism, severe weather, theft, flood, etc.
• Get multiple quotations: To get the best deal on your auto insurance policy, get quotation from a number of insurance companies and compare their quotes. To get competitive prices provide detailed information to all the agents including details of vehicle, its use, driving license details, coverage and limits, etc.
• Read the policy cautiously: An auto insurance policy is a legal contract between the insurance provider and the buyer. It has all the rights and responsibilities of both the parties clearly stated, so it is crucial to read the policy.  While reading the policy make sure you understand all the terms and conditions. In case you have any queries, you can contact your insurance agent for any clarification.

There are many things to consider while selecting your auto insurance policy. We, at Shawn Camp Insurance Agency, Inc, can guide you to choose the most suitable auto insurance policy for you. Call us at (800) 212-2641 for more information.

Bike accidents are common and often prove to be fatal; therefore, it is important for people to know about some safety measures that they need to adopt while on road. Before you set off biking, be prepared and give priority to your safety. Here are some tips that will greatly help you remain safe on the road.

• Do not Drink & Drive: While on the road, use your common sense and never ride while drunk.
• Wear Helmet: It is found that most of the accidental deaths occur due to severe injuries to head; therefore, it is crucial to wear a good quality helmet when you ride a bicycle or a motorbike. It is also important to replace it after every couple of years, as sun’s ultraviolet radiations, wear and tear over time, and other factors reduce the effectiveness of helmet and make it unsafe. Ensure that your helmet covers your forehead.
• Wear protective clothes: Wear suitable clothes that can reduce the impact if you accidently fall or rub against the road. Special biking jackets and boots protect you from road and save you from breaking a limb or scratching your skin.
• Remain visible: If you are riding at night, then it is essential that you wear reflective clothes or fluorescent colored clothes so that you are visible from a distance. You should also have a white light in front and a red light at the back of your bike. Many accidents take place because vehicle drivers fail to see bikers in dark and hit them unknowingly. Increase your chances of being noticed and remain safe.
• Follow road rules and keep distance: To be safe, always ride on the right side of the road and follow all the traffic rules. Watch for pedestrians, potholes, and rubbish. Use special lanes (if there are any) and ride away from parked vehicles. Ride on a safe route and slow down near lined up vehicles. Keeping distance from vehicles ahead, gives you time to react to vehicles and road conditions; therefore, always ride at a safe distance.
• Learn riding from a professional: Though it is convenient and cheap to learn bike riding from a friend or an elder; however, it is better to learn it from a trained professional at an accredited training school. They will not only teach you riding, but also help you secure insurance.

Be alert and avoid situations that can lead to accidents. Following these tips will help you enjoy a safe ride.

A  Homeowners Insurance is a form of insurance in which the insurance company financially protects and insures your home from any kind of damage done by fire, lighting, smoke, explosion, theft, vandalism, malicious mischief, riot, windstorm, hurricane, hail, and water damage. In short, the company may provide substantial financial claim for your house or personal property if they are damaged or destroyed by an event or occurrence covered in your Homeowners Insurance policy.
Following are some points to save more on your Homeowners Insurance:-

• Do a thorough research before investing into the Insurance: If you want your money to go in right hands and want to save a handsome amount of it even after investing it in Homeowners Insurance, do a thorough research, search online, approach friends, beneficiaries and find out what is best for you and your home and what fits in your specific set of requirements. In this way you will not only save money but at the same time will get the best service right next to you.
• Avoid insuring the land: You just need to insure your home and its belongings not the land, as you yourself can judge that in case of any fire explosion or any other disaster the chances of any damage to the land will be negligible. So, before investing make sure that you are insuring your home not the land, so also avoid counting rebuilding cost.
• Take advantage of discounts: As a consumer of insurance, your behavior should be rational. While doing the research work, check the discount options as well so that you can avail of the best out of them and get your money saved.
• Raise the amount of deductibles: Always remember higher the deductibles, greater will be the benefits as you can save more money on your premium.
• Don’t switch on to different companies for different kind of insurances: Suppose if you are planning for your car insurance along with your homeowner insurance, buy both from a single insurance company, in this way you can save substantially on both premiums.
• Make sure that your home is more disaster resistant: Approach your insurance agent to find out how can you make your more disaster resistant, what do you require for the same? Will better building construction material help? Will better electrical equipment help? Count on each and every safety measure and take your agent’s advice for the same.

So if you are planning to buy a Homeowner Insurance, consider the above mentioned tips before investing your hard earned money into it.